Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$235,117Cash toward the purchase price.
Closing costs + prepaids$19,878Not just lender fees.
Before credits & paid funds$254,995The complete starting cash picture.
Estimated remaining funds due at closing
$254,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,117.28
Your down payment$235,117.28
Closing costs + prepaids$19,878.06
Total buyer cash needed$254,995.34
Remaining funds due$254,995.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,774.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,975.00
Prepaid interest, first (24 days)$1,010.65
Fees + prepaids$19,878.06
Your down payment is the seller’s equity. You take over the $554,883 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $254,995.34 is due at closing. Uses and sources reconcile at $809,878.06 each. Not a Closing Disclosure.